IMPACT OF USER IT AND INTERNET SKILLS ON ONLINE BANKING, INPUT TO INNOVATIVE BANKING STRATEGIES

Syed Shan E RAZA

Article Details

IMPACT OF USER IT AND INTERNET SKILLS ON ONLINE BANKING, INPUT TO INNOVATIVE BANKING STRATEGIES

Authors:

Syed Shan E RAZA

Publisher:

Sosyal Bilimler Araştırmaları Derneği

Journal:

International Journal of Social Sciences and Humanity Studies 2011 Vol.3 Issue 1, pp.477-486

Document Type:

Article

Publication Date:

5/2011

Document Language:

Turkish

Document ID (Org No.):

2000820652

Frequency:

Bi-Annual

eISSN:

1309-8063

Abstract:

 

Online-banking is now widely being introduced by banks. This Strategic move is
 supported by aim to reduce branch/resources costs and offer more convenience to
 the consumers. Alongside users are becoming more frequent in IT /internet dayby-day.
 This provides good match to the success of Online-banking.
 Employee’s skills and user’s skills were also considered by scholars to see the
 effect on adoption of online banking. Author has found that these user skills were
 not standardized. Author tried to fill this gap by using Eurostat classification of
 skills in terms of user’s Computer and internet skills [Appendix. 1]. The objective
 of this study is threefold, thus understanding the user perception about fear of
 online theft/misuse, Complexity and effect on individual’s efficiency by using
 online banking.
 A questionnaire has been sent to users and results thus verified 02 of 03
 hypothesis. Despite higher level of skills and experience, users have concerns
 with the security and complexity of the method. The results are analyzed in a
 simple graphical fashion in order to provide quick understanding to the reader.
 Concluding, despite certain limitations, this study gives value to the literature and
 opens new research horizons for online banking strategies. It provides a common
 criterion for understanding user skills and their perceptions about the
 application/usability of online banking using EU classification. Consequently
 counter actions can be taken by the banks to satisfy users concerns and improve
 the structure of online banking.

Article Details

IMPACT OF USER IT AND INTERNET SKILLS ON ONLINE BANKING, INPUT TO INNOVATIVE BANKING STRATEGIES

Authors: Syed Shan E RAZA

Publisher: Sosyal Bilimler Araştırmaları Derneği

Journal: International Journal of Social Sciences and Humanity Studies 2011 Vol.3 Issue 1, pp.477-486

Document Type: Article

Publication Date: 5/2011

Document Language: Turkish

Document ID (Org No.): 2000820652

Frequency: Bi-Annual

eISSN: 1309-8063

Issues

Authors:

Syed Shan E RAZA

Publisher:

Sosyal Bilimler Araştırmaları Derneği

Journal:

International Journal of Social Sciences and Humanity Studies 2011 Vol.3 Issue 1, pp.477-486

Document Type:

Article

Publication Date:

5/2011

Document Language:

Turkish

Document ID (Org No.):

2000820652

Frequency:

Bi-Annual

eISSN:

1309-8063